1303 E Cota St, Santa Barbara, CA 93103 Property Records

Santa Barbara County property record for 1303 E Cota St, Santa Barbara, CA 93103

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,596 sqft · built 1927
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Company Names on Record
Tax Bill	$788 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Feb 2026 Reverse Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`031-261-014`

Property Details

APN / Parcel Number

Primary APN	`031-261-014`
Alternative APN	`03126114`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Building Area	1,596 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Lot Area	6,970 sqft (0.16 acres)

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	1303 E COTA ST
City	SANTA BARBARA
State	CA
Zip	93103-2522
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	CASITAS TR
Legal Subdivision	CASITAS
Legal Block	5
Legal Lot Number	2
Jurisdiction	SANTA BARBARA CA
Township / Civil Division	SANTA BARBARA
Census Block Group	5
Census Block	5003
Census Tract	600

Owner

Source: Santa Barbara County records, as of July 8, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	1303 E COTA ST, SANTA BARBARA, CA 93103-2522
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2022	Deed of Trust, Mortgage UNLOCK PARTNERSHIP SOLUTIONS INC
Feb 17, 2026	Intrafamily Transfer, Transfer · Reverse Mortgage MUTUAL OF OMAHA MORTGAGE INC
Jan 4, 2024	Intrafamily Transfer, Transfer · Reverse Mortgage LONGBRIDGE FINANCIAL LLC
Feb 4, 2022	Intrafamily Transfer, Transfer · FHA Mortgage GOLDEN EMPIRE MORTGAGE INC
Feb 26, 2019	Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 9, 2026
Transfer Doc	0000004780
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA BARBARA CA
Property Address	1303 E COTA ST, SANTA BARBARA, CA 93103-2522
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	CLEAREDGE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1303 E COTA ST, SANTA BARBARA, CA 93103-2522

Mortgage

Document Number	0000035527
Date	Aug 10, 2022
Instrument	2022-0035527

Lender

Name	UNLOCK PARTNERSHIP SOLUTIONS INC
Type	Non-Lending Institution
Address	SAN FRANCISCO, CA 94104

Agreement

Amount	Amount Recorded

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA BARBARA CA
Recording Date	Feb 17, 2026
Property Address	1303 E COTA ST, SANTA BARBARA, CA 93103-2522
Document Number	0000004780
Map Reference	MB 9 PG 90
Instrument Date	Feb 9, 2026
Instrument	2026-0004780
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	LENNAR TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1303 E COTA ST, SANTA BARBARA, CA 93103-2522

Mortgage

Document Number	0000004781
Date	Feb 17, 2026
Instrument	2026-0004781

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	756 Months
Due	Feb 3, 2089

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA BARBARA CA
Recording Date	Jan 4, 2024
Property Address	1303 E COTA ST, SANTA BARBARA, CA 93103-2522
Document Number	0000000369
Map Reference	MB 9 PG 90
Instrument Date	Nov 22, 2023
Instrument	2024-0000369
Transaction Type	Transfer
Record Updated	Jan 15, 2024
Title Company	NOT AVAILABLE, FNC TITLE OF CALIFORNIA

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1303 E COTA ST, SANTA BARBARA, CA 93103-2522

Mortgage

Document Number	0000000370
Date	Jan 4, 2024
Instrument	2024-0000370

Lender

Name	LONGBRIDGE FINANCIAL LLC
Type	Reverse Mortgage Lender

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA BARBARA CA
Recording Date	Feb 4, 2022
Property Address	1303 E COTA ST, SANTA BARBARA, CA 93103-2522
Document Number	0000006236
Map Reference	MB 9 PG 90
Instrument Date	Jan 28, 2022
Instrument	2022-0006236
Transaction Type	Transfer
Record Updated	Feb 14, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1303 E COTA ST, SANTA BARBARA, CA 93103-2522

Mortgage

Document Number	0000006237
Date	Feb 4, 2022
Instrument	2022-0006237

Lender

Name	GOLDEN EMPIRE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA BARBARA CA
Property Address	1303 E COTA ST, SANTA BARBARA, CA 93103-2522
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007502
Date	Feb 26, 2019
Instrument	2019-0007502

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Reverse Mortgage Lender
Address	BLOOMFIELD, NJ 07003

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	840 Months
Due	Feb 3, 2089

Tax Assessment & Valuation

Source: Santa Barbara County assessment roll, as of July 8, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Barbara County
Municipality	Santa Barbara City
Unified School District	Santa Barbara Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$78,881 (+2%) Land $38,242 Building $40,639
2025	$788.00 (-11.96%) Homeowner's exemption Additional exemption filed	$77,336 (-11.51%) Land $37,493 Building $39,843
2023	$895.00 (+23.45%) Homeowner's exemption Additional exemption filed	$87,391 Land $42,566 Building $44,825
2022	$725.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective June 9, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	8 (1978–2019)
Claims Outside the SFHA	7 of 8
Most Recent Claim	Feb 2019 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 97.4% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF SANTA BARBARA WATER DEPARTMENT serves 93,334 people · EPA ID CA4210010
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 830 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband, GeoLinks.

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